Gillette at a glance
- Population: 33,496 people, the 3rd-largest place among Wyoming's 99 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 33,412 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 0.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Wyoming places: 3rd-largest of 99 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 97% of Wyoming's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 44.2726, -105.4989.
- Nearest larger cities (within 120 miles): Casper, WY (107 mi); Rapid City, SD (114 mi) (US Census Bureau populations).
- Nearest smaller communities: Moorcroft, WY (27 mi); Pine Haven, WY (34 mi); Wright, WY (36 mi), each a US Census place.
What a personal loan costs in Gillette
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Wyoming lending rules that apply in Gillette
The table carries the Wyoming rate and licensing rules that apply to consumer loans made in Gillette.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Wyoming Division of Banking Source says: The Division is responsible for the chartering and regulation of Wyoming state banks, trust companies, mortgage companies, as well as non-bank financial companies. | Wyoming Division of Banking as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 36% per year on unpaid principal balances up to $1,000; 21% above $1,000 (Wyo. Stat. § 40-14-310(g)) Source says: shall not exceed the equivalent of thirty-six percent (36%) per year on that part of the unpaid balances of the principal | Wyoming Legislature (Wyoming Statutes) as of 2026-09-16 |
| Payday lending status | Legal with a post-dated check casher license; finance charge capped at the greater of $30 or 20% per month; max term 1 month (Wyo. Stat. § 40-14-363) Source says: No post-dated check finance charge shall exceed the greater of thirty dollars ($30.00) or twenty percent (20%) per month on the principal balance | Wyoming Legislature (Wyoming Statutes) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer Lender, Sales Finance Company, Post-Dated Check Casher, and Pawnbroker licenses via NMLS; licensing mandatory per location including online Source says: Licensing is mandatory for every location where business is regularly conducted | Wyoming Division of Banking as of 2026-09-16 |
How to compare offers in Gillette
Run through this list before signing anything in Gillette:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Wyoming using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.